| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | KEYSTONE HEALTH PLAN EAST | $25K | $4K | $29K | 5.70% |
| EMERSON REID LLC3 Filed as: EMERSON REID | SUITE 215 EXECUTIVE CAMPUS 630 W. GERMANTOWN PILE PLYMOUTH MEETING, PA 19462 | KEYSTONE HEALTH PLAN EAST | $2K | $528 | $2K | 0.45% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $23K | $3K | $27K | 5.77% |
| EMERSON REID LLC3 Filed as: EMERSON REID | SUITE 215 EXECUTIVE CAMPUS 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $2K | $137 | $2K | 0.41% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HWY., SUITE 1080 EDISON, NJ 08817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $761 | $3K | 6.18% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HWY., SUITE 1080 EDISON, NJ 08817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.08% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HWY., SUITE 1080 EDISON, NJ 08817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.47% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HWY., SUITE 1080 EDISON, NJ 08817 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 17.04% |
| HAMPSON MOWRER AGENCY LLC3 Filed as: HAMPSON MOWRER AGENCY INC. | 54 S. COMMERCE WAY, SUITE 150 BETHLEHEM, PA 18017 | HARTFORD LIFE AND ACCIDENT | -$6 | — | -$6 | -0.04% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 STATE ROUTE 27, SUITE 1080 EDISON, NJ 08817 | UNITED HEALTHCARE INSURANCE COMPANY | $862 | — | $862 | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 76 | $969K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $56K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 135 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 61 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $46K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $28K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 76 | $462K |
| Other | HARTFORD LIFE AND ACCIDENT | 61 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.